Who pays my medical bills if I’m hurt because of someone else’s negligence?
Your own health insurance. Generally, if you have health insurance, your own health insurance should pay the bills. People often believe that the negligent party should pay the medical bills, but sometimes determining liability and the ultimate recovery can take many months or even years. The medical bills should not be left outstanding or sent to collections in the meantime.
If your health insurance pays medical bills relating to someone else’s negligence, they will very often assert a lien on the claim against the other party and recover a large portion of what they’ve paid for the injuries. Sometimes your own medical insurance will refuse to pay for the medical bills if they think someone else is at fault. If this is happening to you, please call our office for a free consultation.
Med Pay through your auto insurance. Another potential source for payment of medical bills is an optional benefit through your own auto insurance called Med Pay. Med Pay is an amount of money that someone can access to help them pay for medical expenses while a case is pending. This is different from liability insurance. Your auto insurance provider will often place a lien on the file to be reimbursed for their Med Pay payments.
If you believe that your Med Pay should be helping to pay medical bills following a car crash, motorcycle crash, or pedestrian accident, please call our office for a free consultation.
The negligent party’s insurance. Ultimately, if your treatment is the result of another party’s negligence and they have liability insurance, their insurance company should be held liable for the cost of medical treatment. However, because sometimes it can take many months or even years to come to a resolution through the negligent party’s insurance carrier, it can often be helpful to have health insurance or Med Pay insurance cover the cost of the medical care. Both medical insurance and Med Pay insurance will often assert a lien against any recovery from the negligent party’s liability insurance.
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